Now’s a great time to review the financial goals you made this year and set new ones for 2021. Start with the successes, they can help you snowball into successful new goals. But let’s be realistic, too; 2020 was tough in so many ways. Especially financially. Use those stumbling blocks and turn them into stepping-stones in the new year.  Even if a lot of the financial boo boos were unavoidable or out of your control, take back the reins and journey towards stability by factoring contingency plans into your new years budget.